Manns Harbor, NC
How exposed is Manns Harbor to wildfire?
USFS's Wildfire Risk to Communities model puts Manns Harbor at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 556 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Manns Harbor's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Manns Harbor: 87.4% of its 556 buildings, versus 11% Indirect and 1.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Manns Harbor compares
Manns Harbor scores 98th nationally and 100th within North Carolina — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Manns Harbor ranks 764 for wildfire risk (1 is highest) and 16,480 by building count (1 is largest). Within North Carolina alone, it ranks 2 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Manns Harbor
Manns Harbor's very high rating (98th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Manns Harbor
Because Direct exposure dominates in Manns Harbor (87.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Manns Harbor's figures come from
The methodology guide shows exactly how USFS turned 556 counted buildings into the percentiles shown above for Manns Harbor. The exposure-zones guide covers what Manns Harbor's dominant direct exposure actually means, with real examples from across the dataset.